Stock fact sheet · data as of
Cullman Bancorp, Inc. (CULL): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Blend
Is CULL undervalued?
CULL closed at 17.00 on 16 Oct 2026, more than 30% above the GLS average fair value of 11.20. Only 3 of the 9 models that produced a value sit above the price. By our models the shares are priced well beyond what the filed earnings, cash flow and book value support; the Sunday Scan drops names like this at the "below fair value" rule.
The 9 models disagree widely: DCF gives 0.2979 while 10 Cap gives 24.82. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files CULL under Blend.
Nine valuation models for CULL
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 0.2979 | -98% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 17.25 | +1% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 13.27 | -22% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 3.56 | -79% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 7.19 | -58% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 24.82 | +46% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 24.27 | +43% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 1.77 | -90% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 8.42 | -50% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -57.91 | -441% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - CULL passes 5 of the nine Piotroski tests, which falls one point short of the Sunday Scan's "6 or more" rule. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is low at 4.8 out of 10, which says the ten-year record of revenue, earnings, margins and returns on capital has been inconsistent - growth and shocks rather than steady compounding.
Returns on capital are thin or negative - ROIC 2.9%, ROE 4.2%, ROA 0.9% - with debt at 0.47 times equity and negative free cash flow.
The dividend yield is 0.71% with a payout ratio of 0% - a small yield that leaves most of the earnings in the business.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 5 / 9 | ROIC | 2.9% |
|---|---|---|---|
| GLS Moat | 4.8 / 10 | ROE | 4.2% |
| Debt / equity | 0.47 | ROA | 0.9% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 24: No options
CULL has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business; the Wheel Score is capped at 39 and shown as "No options" (24 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 0k shares a day on a market cap of $94M, with a beta of 0.10 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 0 / 25 | -52% margin of safety | |
| Health | 11 / 20 | Piotroski 5/9 | |
| Moat | 7 / 15 | moat 4.8/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $94M cap, beta 0.10 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for CULL in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Cullman Bancorp, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| CTUY Century Next Financial Corporation | 73.00 | 241.60 | +70% | 39No options | $93M |
| MFBP M&F Bancorp, Inc. | 49.00 | 24.66 | -99% | 24No options | $95M |
| BCOW 1895 Bancorp of Wisconsin, Inc. | 18.45 | 11.52 | -60% | 26No options | $95M |
| BSFO Bank of San Francisco | 42.99 | 65.41 | +34% | 39No options | $95M |
| PBKC Pioneer Bankcorp, Inc. | 83.99 | 243.32 | +65% | 39No options | $93M |
| SOBS Solvay Bank Corp. | 36.50 | 28.22 | -29% | 20No options | $93M |
| AUBN Auburn National Bancorporation, Inc. | 26.47 | 34.04 | +22% | 39No options | $92M |
| CZBT Citizens Bancorp of Virginia, Inc. | 43.55 | 71.84 | +39% | 39No options | $92M |
| HMLN Hamlin Bank and Trust Company | 256.60 | 446.04 | +42% | 39No options | $92M |
| FNWB First Northwest Bancorp | 9.63 | 12.04 | +20% | 39No options | $92M |
| FSMK 1ST SUMMIT BANCORP of Johnstown, Inc. | 42.88 | 34.41 | -25% | 27No options | $91M |
| FUSB First US Bancshares, Inc. | 16.45 | 17.26 | +5% | 39No options | $91M |
⚖ Compare CULL with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about CULL
Is CULL undervalued right now?
No: at 17.00 the stock trades 52% above the GLS average fair value of 11.20 (data as of 16 Oct 2026), well beyond what trailing earnings, cash flow and book value support.
What is the Wheel Score of CULL and what does it mean?
CULL has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for CULL?
11.20 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Cullman Bancorp, Inc. report earnings next?
No upcoming earnings date is recorded for CULL in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does CULL have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on CULL, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.